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Professional Indemnity Quote

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Professional indemnity insurance 

Indemnity protects you and your sporting business or organisation (Martial Arts School) by providing cover for protection against claims for property damage, financial loss, or bodily/personal injury arising from an act, error or omission in the performance of your professional services. 

With NO WIN – NO PAY Lawyers working in the industry legal action is more common and exercised to compensate people who feel entitled to make a claim when they feel they have been given the wrong advice that has resulted in an injury. Insurance indemnifies you if your client suffers a loss – either material, financial or physical or as a result of goods / products causing injury or damage.

In the case of martial arts instruction, it is always better to combine the public liability with professional indemnity to have a more complete cover for your business.

INSURANCE INDUSTRY HISTORY – Over the years there has been many concerns with Public Liability Insurance becoming unavailable to many businesses. This has happen on a few occasions in the martial arts industry due to some players pulling out after suffering high claims and not being able to manage the risk appropriately.

When several insurers withdrew from the market some years back leaving just one player there was a significant increase in premiums. The was also a major overhaul of the industry risk with Brazilian jiu jitsu, muay thai and kickboxing being casualties as they were perceived as a much higher risk of an incident compared to other styles.

As other insurance players crept back and included these perceived high risk styles school owners could then obtain insurance. This was only stop gap because the insurers were secured overseas and not registered in Australia. Martial Arts Australia played a big part in negotiating group deals with a number of insurers and helped assure underwriters that the industry risks could be minimised. As a result of Martial Arts Australia screening and educating school owners on the appropriate risk management measures better pricing and cover was extended to all styles by the Insurers.

Getting the right insurance package is one thing and updating your skill sets / qualifications is another essential ingredient to maintaining a professional business – Consider the Australian Martial Arts Coaching

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